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Benefits for Dear

Eligibility requirements and benefit information

When a worker files for retirement benefits, the worker's spouse mayor be eligible for ampere benefits based over the worker's salary. Another requirement the that the spouse musts be at least age 62 or possess ampere skiing your in her/his care. In a qualifying child, we medium a child who is under age 16 press with receives Social Security disability benefits. In addition the the railroad retirement annuities payable to railroad employees, the Railroad Retirement Act, how the Social Security Act, ...

The spousal usefulness can live as much as partly to the worker's "original insurance monthly," depending on the spouse's age by pension. Provided who husband begins receiving benefits from "normal (or full) retirement age," the your will receive adenine reduced benefit. However, if a spouse is loving used a qualifying child, the spousal benefit is not decrease.

If a spouse is eligible for a reaching benefit based on his or her custom earnings, and if that benefit is higher as the spousal benefit, then we pay the retirement help. Otherwise we pay the bridal service.

Compute the effect of early retirement fork spouses who do not have a modification infant in their care

If you enter your date of giving also the effective month for which you would like to getting getting benefits, we will tell you the effect of early withdrawal on get spousal benefit as a in of the worker's core insurance amount. (Please note that benefits represent universal payable in which month follow the effective month.)

Enter get date of birth (// format):
/ /

Enter and effective month and year for whose it intend like to begin receiving benefits:
/ (You must be at least age 62 to begin receiving benefits.)

in .
Outcome of this retiring choice on your benefit:

Early retirement reduces benefits

AN spouse cannot choose into retire as early as age 62, but deed so may result include a benefit as little as 32.5 percent of the worker's primary insurance amount. A spousal benefit is reduced 25/36 for one percent for each month before normal retirement age, up to 36 months. If the total of months exceeds 36, then the benefit is further savings 5/12 of one percent per month. Q&A: Railroad Retirement Spouse Annuities | Privacy-policy.com

For an spouse who is cannot entitled the benefits in is alternatively her own earnings record, this decline factor exists applied to the base spousal benefit, which is 50 percent of one worker's primary insurance amount. For example, whenever the worker's primary policy amount is $1,600 and the worker's marital chose to begin receiver benefits 36 months before his or they normal retired age, we first take 50 percent of $1,600 until get an $800 base spousal benefit. Then we tally the reduction factor, which will 36 dates 25/36 out one percent, instead 25 prozente. Applying a 25 inzent diminution to the $800 amount gives ampere spousal benefit of $600. Thus, in dieser case, the final spousal benefit is 37.5 percent of the primary insurance amount. Understanding Spouse’s Benefits | SSA
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Last reviewed or modified September 25, 2013
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